Search found 470 matches

by Carguy85
Sat Apr 03, 2021 2:17 pm
Forum: Personal Consumer Issues
Topic: Fully Vaccinated and Wondering What Behaviors to Change
Replies: 17
Views: 1544

Re: Fully Vaccinated and Wondering What Behaviors to Change

You want “non medical” advice regarding what activities to do or not do with consideration to your health.... got it.
by Carguy85
Sat Apr 03, 2021 12:37 pm
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2653

Re: toyota sequoia vs toyota sienna safety

I’m on my 4th tundra😀. I like tried and true “old” technology. Yes sequoias are very tight in most spots...very wide with big doors...It’s a little bit of a joke with the wife...”doesnt anywhere have normal size parking spots?!”
by Carguy85
Sat Apr 03, 2021 9:58 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2653

Re: toyota sequoia vs toyota sienna safety

Drive both. Get whichever you prefer. Sure the sequoia has the advantage with weight and height as well as towing but with obvious tradeoff in mpg. I’ve been in/driven both and own a 2017 sequoia...wife and kids have been giving the “minivan” a hard NO for quite some time. I can’t say I totally disa...
by Carguy85
Sat Apr 03, 2021 7:00 am
Forum: Personal Consumer Issues
Topic: Would you give money to close friends to live in same neighborhood?
Replies: 45
Views: 2941

Re: Would you give money to close friends to live in same neighborhood?

$5-15k is couch/pocket change when it comes to homes. If that somehow enables them to get in to a home that they wouldn’t have been able to get otherwise then they must be at the top of what the bank says they can borrow and most certainly can’t afford it. Give them $15k as a gift but not if it is a...
by Carguy85
Wed Mar 31, 2021 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Spending money and living now VS saving and living better later?
Replies: 82
Views: 17275

Re: Spending money and living now VS saving and living better later?

Keep one of the Cherokees and buy an unlimited wrangler at some point...nothing wrong with either to haul around babies. Sure, its not as ideal as a minivan but certainly better than a Corvette or Miata. Just do yourself a favor and don’t look for happiness in store bought items... any poor schmuck ...
by Carguy85
Mon Mar 29, 2021 7:51 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 228
Views: 22167

Re: High spenders what do you spend on?

OP, planes and especially helicopters are extremely efficient at burning cash. Certainly much more so than boats especially given that they have more significant fixed costs associated with them wether or not you use them. Small business jets can burn 150-200 gallons per hour so if you are by chance...
by Carguy85
Mon Mar 29, 2021 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Is a "fiduciary" Worth it?
Replies: 10
Views: 755

Re: Is a "fiduciary" Worth it?

From what I gather it’s a big load of meaningless marketing BS that only benefits the financial advisor...they have to do what’s in your best interest...”it’s the law” right? My buddy’s now 80 year old mother in 2010 had well in excess of a million invested with such an individual in which she thoug...
by Carguy85
Sun Mar 28, 2021 11:06 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3915

Re: exipred / obsolete propane jugs

Squirm, don’t you know moral posturing/virtue signaling is quite a popular trend these days. :D
by Carguy85
Sun Mar 28, 2021 10:14 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3915

Re: exipred / obsolete propane jugs

I exchanged old/expired tanks out for brand new ones in the blue rhino cage at lowes (yes I hand picked them). I now fill these for less than half price elsewhere. No more unethical than the folks on here churning credit cards for rewards.
by Carguy85
Sun Mar 28, 2021 10:05 am
Forum: Personal Finance (Not Investing)
Topic: 2.5 mil house with 5 mil net worth, too much?
Replies: 74
Views: 8466

Re: 2.5 mil house with 5 mil net worth, too much?

It comes down to what you value more...luxury or financial independence. Based on your income you can certainly afford it, but it will be a roadblock to your financial independence and can put severe pressure on your family if one or both of you lose your job. Our net worth is about $3,000,000 and ...
by Carguy85
Fri Mar 26, 2021 5:50 pm
Forum: Personal Consumer Issues
Topic: Alabama Vacation: Orange Beach vs Gulf Shores?
Replies: 14
Views: 2016

Re: Alabama Vacation: Orange Beach vs Gulf Shores?

4-5 canopies in front of and around the high rise condo we’re staying at in orange beach today. Been to a lot of beaches and this is by far my favorite place to go.....less crowded, nicer people , much less traffic/4 lane main drags, less expensive... nicer sand/beach...not to mention the closest be...
by Carguy85
Tue Mar 23, 2021 12:31 pm
Forum: Personal Investments
Topic: Advice Please on Income Investments - Starting Fresh
Replies: 35
Views: 1499

Re: Advice on Investing Large Sum with Market at All-time High

Thank goodness the market is frequently at all time highs and has been doing so since inception... what you are probably focused on is a perceived blip. Historically the best time to put money in has been yesterday. I’d dump it all in and forget about it and find something else to worry/think about....
by Carguy85
Fri Mar 19, 2021 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Is an Emergency Fund Really needed in our case?
Replies: 60
Views: 5524

Re: Is an Emergency Fund Really needed in our case?

So is it ok to invest it all for long term in taxable account? Yes. https://earlyretirementnow.com/2016/05/05/emergency-fund/ https://i1.wp.com/earlyretirementnow.com/wp-content/uploads/2016/12/efffront-with-emergency-fund.png?resize=829%2C631&ssl=1 Interesting article and seems to be very true...
by Carguy85
Thu Mar 18, 2021 7:00 pm
Forum: Personal Consumer Issues
Topic: Las Vegas or Tampa for retirement relocation?
Replies: 69
Views: 6027

Re: Las Vegas or Tampa for retirement relocation?

(7) We have been to both places, but will visit Las Vegas again in May and Tampa in June. Perhaps you should go in July and August to experience how hot each place can get. It would also be great to see if you are ok with the humidity and storms in Tampa...August appears to be their rainiest month....
by Carguy85
Tue Mar 16, 2021 8:26 pm
Forum: Personal Investments
Topic: How much do you weigh your homes value in your retirement portfolio?
Replies: 106
Views: 8327

Re: How much do you weigh your homes value in your retirement portfolio?

We are recently retired. We do not consider our paid off home as part of our retirement portfolio. However, we do consider the equity as a last resort long term care policy. If one spouse needs long term care, and our portfolio can't afford it, the other spouse will sell the house, live in somethin...
by Carguy85
Tue Mar 16, 2021 7:40 pm
Forum: Personal Consumer Issues
Topic: snow plow pricing
Replies: 42
Views: 2965

Re: snow plow pricing

OP, You could buy a new snow blower every year for the money you are currently spending. I agree, it’s good exercise. No special maintenance is required. Oil change annually. I started doing my 1600 foot driveway the winter after I retired. There has been a learning curve but again I’m retired so I...
by Carguy85
Tue Mar 16, 2021 7:34 pm
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7358

Re: What did you successfully downshift to?

Several members of the facilities crew at my office are retired and formerly quite successful men; the three I know well were an aeronautics engineer, chief of police for a nearby city, and a CPA. Interesting....this is the type of thing I was thinking...a corporation, school, or city/town where th...
by Carguy85
Tue Mar 16, 2021 8:10 am
Forum: Investing - Theory, News & General
Topic: Hitting your numbers. How to estimate when you have enough.
Replies: 175
Views: 20001

Re: Hitting your numbers. How to estimate when you have enough.

I had read on some FIRE blogs and believed that once I hit FI the stress of work would subside, at least somewhat, and I would actually enjoy my job a bit more since I didn’t HAVE to do it anymore. The exact opposite happened when I hit FI. I grew more intolerant of the bad parts of my job because ...
by Carguy85
Mon Mar 15, 2021 8:20 pm
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7358

Re: What did you successfully downshift to?

Have thought this but didn’t know what it was called... 8 years of school/training and 10 years in to my profession and I am more and more thinking how nice it would be to put in my earbuds and get on a mower. I mowed for many years growing up as a farm hand and while in school and even at the begin...
by Carguy85
Sun Mar 14, 2021 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Creative Real Estate Listing Agent Fee Structure
Replies: 40
Views: 2002

Re: Creative Real Estate Listing Agent Fee Structure

As said above any realtor that is good/busy is going to quickly move on from such stipulations and spare themselves the headache and aggravation of a “difficult” seller. Honestly, what would you do if you were in their shoes? I’d be interested to know how this works out.
by Carguy85
Sat Mar 13, 2021 12:01 pm
Forum: Investing - Theory, News & General
Topic: Is 100% Equities a Bad Investment Strategy?
Replies: 131
Views: 9459

Re: Is 100% Equities a Bad Investment Strategy?

How much debt one has would be a big factor would it not? Having fixed income to “counteract” fixed cost.
by Carguy85
Sat Mar 13, 2021 9:09 am
Forum: Personal Finance (Not Investing)
Topic: 0% car loan and invest the cash?
Replies: 35
Views: 2492

Re: 0% car loan and invest the cash?

watchnerd wrote: Sat Mar 13, 2021 9:07 am
guitarguy wrote: Sat Mar 13, 2021 9:00 am What’s a drop in the bucket?
<5%

A common figure that people feel comfortable allocating to "play money".
Maybe what an account fluctuates on a given day as bare minimum?
by Carguy85
Sat Mar 13, 2021 7:41 am
Forum: Personal Finance (Not Investing)
Topic: 0% car loan and invest the cash?
Replies: 35
Views: 2492

Re: 0% car loan and invest the cash?

Tell them you must get a better deal because you don’t want to insult your intelligence by taking “ 0% “. Anyone with any sense knows nothing in this world is free. I’d walk otherwise...their job is to make you feel like you are doing something smart...let them make you feel smart for knowing better...
by Carguy85
Tue Mar 09, 2021 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13743

Re: 35 and thinking about early retirement or partial retirement

For those of you considering pulling the plug on work due to burnout and overwork - is anyone concerned about whether this is just a temporary thing because of pandemic-induced mental stress? I feel the same as many of the posters in this thread - well paid, but also FI and just completely burned o...
by Carguy85
Tue Mar 09, 2021 8:26 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 331
Views: 23130

Re: Tips to stick to a weight loss diet?

Simplify. There are 'essential' proteins and 'essential' fats, i.e., required for life. There are no 'essential' carbohydrates, but they sure do taste good. Based on your body weight, limit carbs to about 50-100 daily. Carbohydrates need to be sourced from the right vegetables, no grains, no potato...
by Carguy85
Tue Mar 09, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Renting for life - a bad idea?
Replies: 154
Views: 11011

Re: Renting for life - a bad idea?

It depends of course on your situation. In my experience the great advantage of home ownership is when one buys a modest house then pays it off relatively quickly and lives there for the rest of their life. In these cases, a person is eliminating their greatest expense and the long term value of th...
by Carguy85
Tue Mar 09, 2021 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Renting for life - a bad idea?
Replies: 154
Views: 11011

Re: Renting for life - a bad idea?

It seems that the answer is somewhere in the middle as with most things. Buying way more house than you can truly afford (yes banks will gladly make you house poor and far to many seem to do this) and being subject to ever increasing rent and other negatives that come with being a renter are both no...
by Carguy85
Mon Mar 08, 2021 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13743

Re: 35 and thinking about early retirement or partial retirement

Thinking of doing the same grind 5 years from now til 40 is a bit tough...seems so far away. Maybe in 2 I’ll go down to 3 days. Maybe we’re just a spoiled millennials...who says that people are supposed to wake up and throughly love their jobs anyway? Is the average assembly line worker jumping for ...
by Carguy85
Mon Mar 08, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13743

Re: 35 and thinking about early retirement or partial retirement

You are in a good position to make your own rules. If your employer and you can’t agree on what you will do then no sweat... you part ways. Maybe not totally FI but certainly in a much better position than many at 35. If you are good at what you do and dependable your employer would be silly to lose...
by Carguy85
Fri Mar 05, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 125
Views: 9598

Re: How to make strong coffee equivalent to Starbucks for cheaper?

French press at least a tablespoon per 8oz.... much different than out of a “coffee maker”...pace yourself if you aren’t used to it...as a side note I think Folgers tastes better than Starbucks pike. Pike smells like cigarettes.
by Carguy85
Fri Mar 05, 2021 6:44 am
Forum: Personal Consumer Issues
Topic: Anyone employ personal assistants? House managers?
Replies: 49
Views: 4181

Re: Anyone employ personal assistants? House managers?

“There seems to be some perverse human characteristic that likes to make easy things difficult.” -Warren Buffett Good luck. If you are lucky, you will get what you pay for. So many problems this could cause vs focusing on living a more simple life...at least outside of work. Maybe just my distorted ...
by Carguy85
Thu Mar 04, 2021 9:13 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270497

Re: Mortgage free as of today!!

Awesome! .... now don’t forget to pay your property taxes! I’ve unfortunately done that twice. I get a notification for spring and fall taxes early in the year and that’s it so super easy to forget to pay fall taxes! I think I’m just going to pay it all at once in the spring.
by Carguy85
Thu Mar 04, 2021 9:03 pm
Forum: Personal Consumer Issues
Topic: 2021 Sunglasses Thread 😎
Replies: 62
Views: 4680

Re: 2021 Sunglasses Thread 😎

Smith and Wesson Magnum safety glasses . Gold mirror is my preferred lens color. I have super sensitive eyes and bridge of the nose and these do very well...buy in quantity and save some money 😀
by Carguy85
Wed Mar 03, 2021 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dentist billing in advance
Replies: 84
Views: 6528

Re: Dentist billing in advance

Depressing Lexx! Soo glad we sold. Also glad that I’m to the point that I don’t have to put up with anything/anyone I don’t want to deal with. After factoring in lab fees and chair time, the amount that is allowed by some in network on such procedures is laughable if not down right infuriating. Ther...
by Carguy85
Wed Mar 03, 2021 7:44 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 107
Views: 9066

Re: Anyone ever tired of managing hair and consider shaving to go bald

Graying and balding before my time..I think it’s a millennial thing ... have had a high and tight as long as I can remember. Been cutting my own hair for 15 years or so and have been over time cutting it shorter and shorter due to graying/balding. Now if it’s any longer than no guard on the sides (w...
by Carguy85
Tue Mar 02, 2021 12:43 pm
Forum: Personal Consumer Issues
Topic: snow plow pricing
Replies: 42
Views: 2965

Re: snow plow pricing

Kudos to you for showing grace and helping one out that may be struggling. You can certainly be thankful that you are not in his shoes and “help out” if you don’t feel like you are being played a fool. Otherwise, if there is less demand for the service (such as plowing) for whatever reason then that...
by Carguy85
Mon Mar 01, 2021 10:09 pm
Forum: Personal Consumer Issues
Topic: snow plow pricing
Replies: 42
Views: 2965

Re: snow plow pricing

Wow!..just about everything they said was at the least bizarre if not a red flag... time fore a plow.
by Carguy85
Mon Mar 01, 2021 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finances and Minimalism
Replies: 52
Views: 5898

Re: Personal Finances and Minimalism

There are a number of folks who swear that they don’t spend one dime more per year when they get rewarded for for spending, not to mention with one of the most frictionless ways of spending possible. I say whatever you think is best for you go for it. For us it’s a no rewards/frills visa debit card ...
by Carguy85
Sun Feb 28, 2021 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Early Mortgage Payoff
Replies: 22
Views: 1853

Re: Early Mortgage Payoff

Continuing to do what you’ve been doing is probably the middle ground...one extreme would be taking everything after tax advantaged contributions and putting it towards the house... the other extreme would be refinancing for 15or 30 years and investing as much as possible in non- tax advantaged brok...
by Carguy85
Fri Feb 26, 2021 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying Mortgage Aggressively (Ramsey approach) vs. Investing
Replies: 140
Views: 10973

Re: Prepaying Mortgage Aggressively (Ramsey approach) vs. Investing

ensign wrote: Wed Feb 24, 2021 10:02 pm
drgenefish wrote: Wed Feb 24, 2021 4:14 pm imo he's a genius and there's a lot of nuance beyond just feeling safer with the mortgage being paid off.
Ramsey is many things. Genius ain’t one of them.

Ramsey is worth nearly half a billion dollars. Maybe not a “genius” but certainly no dummy.
by Carguy85
Wed Feb 24, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying Mortgage Aggressively (Ramsey approach) vs. Investing
Replies: 140
Views: 10973

Re: Prepaying Mortgage Aggressively (Ramsey approach) vs. Investing

I ran the numbers the other day after getting something in the mail... 500k at 2% after tax deduction for 15 years is the figure I ran ballpark calculations with. If I were to keep $100k in cash (as somewhat of a safety net) and invest the rest with an average return of 10% ...(8% subtracting the mo...
by Carguy85
Mon Feb 22, 2021 7:13 am
Forum: Personal Finance (Not Investing)
Topic: I Think I *Can* Buy This Home, *Should* I Buy It?
Replies: 44
Views: 3272

Re: I Think I *Can* Buy This Home, *Should* I Buy It?

Many reasons NO....If this isn’t a trolling thread, I feel sorry for the situation because I’m pretty sure your mind is already made up...not because of good financial sense.
by Carguy85
Sun Feb 21, 2021 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Revealing net worth
Replies: 251
Views: 16518

Re: Revealing net worth

I even think it’s rude/awkward to outright ask what someone does for a living let alone how much they are worth... so many have no shame...lol
by Carguy85
Sat Feb 20, 2021 12:11 pm
Forum: Personal Consumer Issues
Topic: Warranty Dishwasher Repair
Replies: 14
Views: 1012

Re: Warranty Dishwasher Repair

This is why I never bother with these extended warranties, although I understand op is under the original factory warranty. Being without a washer dryer, refrigerator, freezer, dishwasher etc for months is more costly to us in wasted time and frustration than simply buying a replacement unit when o...
by Carguy85
Sat Feb 20, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30272

Re: Any Minimalists on here?

I’m halfway through the Century of the Self 4 part documentary on YouTube...very interesting....I’ve been tricked...we all have.
by Carguy85
Sat Feb 20, 2021 10:35 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30272

Re: Any Minimalists on here?

I'm curious for the minimalists on this thread, do you translate that simplicity into your finances, and if so, how? There are always discussions about people opening accounts to chase bonuses or having multiple credit cards to optimize rewards, etc. which seems to be the polar opposite of simplici...
by Carguy85
Sat Feb 20, 2021 10:24 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30272

Re: Any Minimalists on here?

Look up George Carlin’s bit on “Stuff” for a good laugh. Lots of colorful language. Soooo true!! Lol btw that is extremely mild language wise for a Carlin bit! Strangely enough as our net worth has increased to the point of teetering on FI, I have an ever stronger desire to minimize the clutter. I’...
by Carguy85
Sat Feb 20, 2021 9:51 am
Forum: Personal Investments
Topic: 31yo contemplating early retirement
Replies: 142
Views: 12493

Re: 31yo contemplating early retirement

Well I learned what a SPAC is and from the looks of it... you got extremely lucky not to underperform the market. Gambling to many is a thrill/hobby... I sort of get it. I’d say don’t burn your bridges/become unmarketable until you get it out of your system... easy come easy go...somewhat surprising...
by Carguy85
Thu Feb 18, 2021 6:58 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing in non-taxable accounts
Replies: 36
Views: 3241

Re: Thoughts on investing in non-taxable accounts

Tax hit on a taxable account? You are already paying whatever tax you pay if you blow it on distractions or invest. Capitol gains is probably a much lower tax rate than ordinary income for many on this forum. I think the average retired couple lives on somewhere around $75k a year...0% tax on gains ...
by Carguy85
Mon Feb 15, 2021 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now (45 yrs old) or keep working for the kids?
Replies: 67
Views: 5863

Re: Retire now (45 yrs old) or keep working for the kids?

100% Quit tomorrow. You have earned it. Absolutely no reason to not enjoy whatever it is you do. Take advantage of what so few can. Think about the opposite end of the spectrum... both parents that MUST work to stay afloat. I would think this puts the kids at a big disadvantage. As long as you don’t...